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339 } 340 341 .block--custom-our-team-intro { 342 padding: 2.5rem 0; 343 } 344 345 .block--custom-our-team-intro h3, .block--strategic-partners h3 { 346 font-size: 26px; 347 padding-top: 1rem; 348 } 349 350 .block--custom-our-team-intro .cell { 351 background: #f7f7f7; 352 box-shadow: 5px 5px 6px #c1c1c1; 353 padding-bottom: 1.5rem; 354 } 355 356 .block--strategic-partners { 357 padding-bottom: 4rem; 358 } 359 360 .block--strategic-partners .cell { 361 width: 24.5%; 362 background: #f7f7f7; 363 box-shadow: 5px 5px 6px #c1c1c1; 364 padding: 2.5rem 1rem 1.5rem; 365 margin: 0 auto; 366 } 367 368 @media screen and (max-width: 820px) { 369 .block--custom-our-team-intro .cell, .block--strategic-partners .cell { 370 width: 94%!important; 371 margin: 0.5rem auto; 372 } 373 } 374 375 .path-team-member-01 .team-member .cell.medium-4 .side-list{ 376 background-color: #f4f4f4; 377 padding: 15px 10px; 378 } 379 380 .side-list ul { 381 list-style: none; /* Remove default bullets */ 382 } 383 384 .side-list ul li::before { 385 content: "\2022"; 386 color: #146caf; 387 font-weight: bold; 388 display: inline-block; 389 width: 20px; 390 margin-left: -20px; 391 font-size: 25px; 392 line-height: 1; 393 transform: translateY(3px); 394 } 395 396 397 398 /* Our Process Page */ 399 .page--page-title--our-process .aw-content .medium-up-4 .cell { 400 width: 24%; 401 background: #f7f7f7; 402 box-shadow: 5px 5px 6px #c1c1c1; 403 padding: 1.5rem; 404 margin: 2rem auto 4rem; 405 } 406 407 @media screen and (max-width: 820px) { 408 .page--page-title--our-process .aw-content .medium-up-4 { 409 margin: 2rem 0; 410 } 411 .page--page-title--our-process .aw-content .medium-up-4 .cell { 412 width: 96%; 413 padding: 1.5rem 2rem; 414 margin: 0.5rem auto; 415 } 416 } 417 418 .page--page-title--our-process .aw-content .medium-up-4 .icon { 419 font-size: 30px; 420 line-height: 2; 421 } 422 423 /* Our Approach Page */ 424 .page--page-title--our-approach .aw-content .medium-up-3 .cell { 425 background: #f7f7f7; 426 box-shadow: 5px 5px 6px #c1c1c1; 427 padding: 1.5rem 2.5rem; 428 margin: 2rem auto 3rem; 429 } 430 431 @media screen and (max-width: 820px) { 432 .page--page-title--our-approach .aw-content .medium-up-3 { 433 padding-bottom: 2rem; 434 } 435 .page--page-title--our-approach .aw-content .medium-up-3 .cell { 436 width: 94%; 437 padding: 1.5rem 2.5rem; 438 margin: 0.5rem auto; 439 } 440 } 441 442 .page--page-title--our-approach .aw-content .medium-up-3 .icon { 443 font-size: 30px; 444 line-height: 2; 445 } 446 447 /* Our Services Page */ 448 .page--page-title--products-amp-services .aw-content .large-up-3 { 449 margin: 2.5rem 0; 450 } 451 452 .page--page-title--products-amp-services .aw-content .large-up-3 .products-services { 453 background: #f7f7f7; 454 box-shadow: 5px 5px 6px #c1c1c1; 455 padding: 1rem 1rem 0.5rem; 456 margin: 0.5rem auto; 457 transition: 300ms all ease; 458 } 459 460 @media screen and (max-width: 820px) { 461 .page--page-title--products-amp-services .aw-content .large-up-3 { 462 margin: 1rem 0; 463 } 464 .page--page-title--products-amp-services .aw-content .large-up-3 .products-services { 465 width: 94%; 466 padding: 2.5rem 2rem 2rem; 467 } 468 .page--page-title--products-amp-services .aw-content .media-object-section { 469 padding-left: 0; 470 } 471 } 472 473 .page--page-title--products-amp-services .aw-content .large-up-3 .products-services:hover { 474 transform: translate(0,-14px); 475 } 476 477 .page--node-type--products-services .aw-content .field--name-field-image { 478 display: none; 479 } 480 481 /*=============================== 482 -------------FOOTER------------- 483 ===============================*/ 484 /* making youtube icon white */ 485 486 .block.block--ascend-footer-block .fi-social-youtube:before { 487 color: white; 488 } 489 490 .block.block--ascend-footer-block .fi-social-facebook:before { 491 color: white; 492 } 493 494 .block.block--ascend-footer-block .fi-social-linkedin:before { 495 color: white; 496 } 497 498 .block.block--ascend-footer-block .fi-social-twitter:before { 499 color: white; 500 } 501 502 #block-footer-ascend:before { 503 background: rgba(0, 0, 0, 0.5); 504 top: 0; 505 bottom: 0; 506 left: 0; 507 right: 0; 508 display: block; 509 content: ''; 510 position: absolute; 511 width: 100%; 512 } 513 514 #block-footer-ascend > .block__content { 515 position: relative; 516 } 517 518 #block-footer-ascend .block--aw-forms-block .block__content { 519 padding-top: 0!important; 520 } 521 522 footer [type='text'], footer [type='password'], footer [type='date'], footer [type='datetime'], footer [type='datetime-local'], footer [type='month'], footer [type='week'], footer [type='email'], footer [type='number'], footer [type='search'], footer [type='tel'], footer [type='time'], footer [type='url'], footer [type='color'], footer textarea { 523 background-color: rgba(254, 254, 254, 0.5); 524 } 525 526 .not-front .page-top__static-caption h1 { 527 font-weight:lighter; 528 } 529 530 .copyright { 531 margin-bottom: 0.5rem 532 } 533 534 @media screen and (max-width: 640px) { 535 .aw-header--sticky.aw-header__sticky.sticky { 536 padding-top: 0;
537 } 538 .aw-ascend .block--logo .image__field--type-image img { 539 max-height: 60px; 540 max-width: none; 541 margin-top: 0.5rem; 542 } 543 .aw-header--sticky .grid-container { 544 height: 75px; 545 } 546 } 547 548/* Bottom Bar */ 549@media screen and (min-width: 40em) { 550 .bottom-bar .copyright { 551 text-align: left; 552 } 553 .bottom-bar .medium-text-right { 554 text-align: right; 555 } 556} 557 558 559/*=============================== 560-------------FOOTER------------- 561===============================*/ 562 563/* Header */ 564@media screen and (max-width: 39.9375em) { 565 .sticky-container .aw-header--sticky.aw-header__sticky.sticky { 566 -webkit-box-shadow: 0px 4px 8px 2px rgba(0, 0, 0, 0.08); 567 -moz-box-shadow: 0px 4px 8px 2px rgba(0, 0, 0, 0.08); 568 box-shadow: 0px 4px 8px 2px rgba(0, 0, 0, 0.08); 569 } 570} 571 572/* Global Navigation */ 573#block-aw-core-visitormainmenu-ascend { 574 margin-top: 30px; 575} 576@media screen and (min-width: 40em) and (max-width: 63.9375em) { 577 #block-aw-core-visitormainmenu-ascend { 578 margin-top: 0; 579 } 580 #block-aw-core-visitormainmenu-ascend ul.vertical.large-horizontal.menu.large-align-right.drilldown { 581 margin-top: 30px; 582 } 583} 584 585@media screen and (max-width: 63.9375em) { 586 .front [data-block-internal-id="aw_core_visitormainmenu_ascend"] .menu .menu-item > a.is-active, .front [data-block-internal-id="aw_core_visitormainmenu_ascend"] .menu .is-submenu-parent-item > a.is-active { 587 color: #FFFFFF !important; 588 } 589} 590@media screen and (min-width: 64em) and (max-width: 69.438em) { 591 [data-block-internal-id="aw_core_visitormainmenu_ascend"] .dropdown.menu > li > a { 592 font-size: 13px; 593 margin-left: 5px !important; 594 margin-right: 5px !important; 595 } 596} 597 598/* Front Banner */ 599@media screen and (max-width: 23.375em) { 600 [data-block-internal-id="core_slider_fullscreen_ascend"] .orbit__caption > h2 { 601 font-size: 32px; 602 } 603} 604 605/* Inside Banner */ 606@media screen and (max-width: 39.9375em) { 607 [data-block-internal-id="core_slider_regular_ascend"] .page-top__static-caption h1 { 608 font-size: 2rem; 609 } 610 .page--node-type--blog-01 [data-block-internal-id="core_slider_regular_ascend"] .page-top__static-caption h1, .page--node-type--blog-02 [data-block-internal-id="core_slider_regular_ascend"] .page-top__static-caption h1 { 611 font-size: 1.5rem; 612 } 613} 614@media screen and (min-width: 40em) and (max-width: 63.9375em) { 615 [data-block-internal-id="core_slider_regular_ascend"] .page-top__static-caption h1 { 616 font-size: 2.5rem; 617 } 618 .page--node-type--blog-01 [data-block-internal-id="core_slider_regular_ascend"] .page-top__static-caption h1, .page--node-type--blog-02 [data-block-internal-id="core_slider_regular_ascend"] .page-top__static-caption h1 { 619 font-size: 1.75rem; 620 } 621} 622 623@media screen and (min-width: 64em) { 624 [data-block-internal-id="core_slider_regular_ascend"] .page-top__static-caption h1 { 625 font-size: 3rem; 626 } 627 .page--node-type--blog-01 [data-block-internal-id="core_slider_regular_ascend"] .page-top__static-caption h1, .page--node-type--blog-02 [data-block-internal-id="core_slider_regular_ascend"] .page-top__static-caption h1 { 628 font-size: 2rem; 629 } 630} 631 632/* Our Team */ 633article.cell.team-member .side-list ul li { 634 text-align: left; 635} 636 637 638/* make whole services section clickable*/ 639#block-products-services-motion .products-services { 640 position: relative; 641} 642#block-products-services-motion .products-services .main-section > a:after { 643 content: ""; 644 width: 100%; 645 height: 100%; 646 position: absolute; 647 top: 0; 648 left: 0; 649 display: block; 650} 651 652body:not(.page--page-title--get-the-conversation-started) #block-footer-ascend > .block__title { 653 display: none; 654} 655 656.page--page-title--get-the-conversation-started #block-footer-ascend > .block__title h2.block-title { 657 position: relative; 658 text-align: center; 659 padding-top: 3rem; 660} 661@media screen and (min-width: 64em) { 662 .page--page-title--get-the-conversation-started #block-footer-ascend > .block__title h2.block-title { 663 font-size: 48px; 664 } 665} 666
667#block-mainpagecontent > div > article > div.field.field--name-field-featured-image.field--type-entity-reference-revisions.field--label-hidden.blog__field.blog__field--name-field-featured-image.blog__field--type-entity-reference-revisions.blog__field--label-hidden.field__item > div > div > img{ 668 display:none; 669} 670/*Lazy Load Style*/ 671.youtube-player { 672 position: relative; 673 padding-bottom: 56.25%; 674 height: 0; 675 overflow: hidden; 676 max-width: 100%; 677 background: #000; 678 margin: 5px; 679 } 680 681 .youtube-player iframe { 682 position: absolute; 683 top: 0; 684 left: 0; 685 width: 100%; 686 height: 100%; 687 z-index: 100; 688 background: transparent; 689 } 690 691 .youtube-player img { 692 object-fit: cover; 693 display: block; 694 left: 0; 695 bottom: 0; 696 margin: auto; 697 max-width: 100%; 698 width: 100%; 699 position: absolute; 700 right: 0; 701 top: 0; 702 border: none; 703 height: auto; 704 cursor: pointer; 705 -webkit-transition: 0.4s all; 706 -moz-transition: 0.4s all; 707 transition: 0.4s all; 708 } 709 710 .youtube-player img:hover { 711 -webkit-filter: brightness(75%); 712 } 713 714 .youtube-player .play { 715 height: 72px; 716 width: 72px; 717 left: 50%; 718 top: 50%; 719 margin-left: -36px; 720 margin-top: -36px; 721 position: absolute; 722 background: url('//i.imgur.com/TxzC70f.png') no-repeat; 723 cursor: pointer; 724 } 725 726 a.sticky-our-story { 727 position: fixed; 728 left: 0; 729 bottom: 0; 730 background: #002B56; 731 padding: 18px 15px; 732 color: white!important; 733 text-transform: uppercase; 734 font-size: 14px; 735 text-align: center; 736 border: #FFFFFF 1px solid; 737 margin-bottom: 25px; 738} 739a.sticky-our-story:hover { 740 background: #194E84; 741} 742 743#block-core-slider-fullscreen-ascend a.button, .block--custom-welcome .button{ 744 background:#012B56; 745} 746.faq--accordion .accordion-title h3{ 747 color:#ffffff; 748} 749 750.aw-header--sticky div.grid-container { 751 max-width: 90.714rem; 752} 753 754 755 #block-logo img[src*='prosperity_partners-02_crop.png']{ 756 max-height: 120px; 757 } 758 759/* support team page */ 760#block-customourteamintro .embedded-entity { 761 margin-top: 15px; 762 margin-bottom: 15px; 763 border-radius: 50%; 764 overflow: hidden; 765 width: 250px; 766 height: 250px; 767} 768 769.page--node-list--team-member-01 .team-member--imgside-full .field--name-field-image{ 770 border-radius: 50%; 771 height: 285px; 772 width: 285px; 773 overflow: hidden; 774 /*margin: auto;*/ 775} 776 777.page--node-type--team-member-01 .team-member--full__headshot .view-mode-focal-portrait{ 778 overflow: hidden; 779 border-radius: 50%; 780 width: 400px; 781 height: 400px; 782} 783 784@media screen and (max-width:640px){ 785 #block-logo img[src*='prosperity_partners-02_crop.png'] { 786 max-height: 60px; 787 } 788} 789 790/* Force last two menu items to stay inline */ 791.menu.large-horizontal { 792 display: flex; 793 flex-wrap: nowrap; 794 align-items: center; 795} 796 797.menu.large-horizontal > li { 798 float: none; 799} 800 801.menu.large-horizontal > li > a { 802 white-space: nowrap; 803} 804 805/* support */ 806/*floater SDG2026*/ 807#block-aw-core-floatersdg2026{ 808 position: fixed; 809 right: 0; 810 bottom: 90px; 811 background: transparent; 812} 813</style> 814 815 <!-- Google tag (gtag.js) -->
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843<script type="text/javascript"> _linkedin_partner_id = "5082874"; window._linkedin_data_partner_ids = window._linkedin_data_partner_ids || []; window._linkedin_data_partner_ids.push(_linkedin_partner_id); </script>
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865<div class="dialog-off-canvas-main-canvas" data-off-canvas-main-canvas> 866 <div class="aw-ascend layout-container"> 867 <div data-sticky-container data-scroll="sticky-nav" class="sticky-container container--sticky"> <div class="aw-header--sticky aw-header__sticky" data-top-anchor="100" data-stick-to="top" data-sticky data-options="marginTop:0;" > 868 <div class="grid-container"> <div class="grid-x grid-padding-x align-spaced align-stretch"> 869 <div class="cell small-6 medium-6 large-3 logo-section"> 870 871<section data-block-internal-id="logo" data-block-original-title="Logo" data-block-weight="-12" data-plugin-id="logo" id="block-logo" class="block block--logo"> 872 873 874 <div class="block__content"> 875 <a href="/"><div class="media media-image view-mode-hide-captions"> 876 877 878 <div class="field field--name-field-image field--type-image field--label-hidden image__field image__field--name-field-image image__field--type-image image__field--label-hidden field__item"> 879 <picture> 880 <source srcset="/sites/lizvanpelt.us1.advisor.ws/files/styles/max_325x325/public/images/prosperity_partners-02_crop.png.webp?itok=LrlyH5dD 325w, /sites/lizvanpelt.us1.advisor.ws/files/styles/max_650x650/public/images/prosperity_partners-02_crop.png.webp?itok=PSQ3fFGQ 650w, /sites/lizvanpelt.us1.advisor.ws/files/styles/max_1300x1300/public/images/prosperity_partners-02_crop.png.webp?itok=3yP9rc5h 1300w, /sites/lizvanpelt.us1.advisor.ws/files/styles/max_2600x2600/public/images/prosperity_partners-02_crop.png.webp?itok=pqeU9vU8 2088w" type="image/webp" sizes="(min-width: 1290px) 1290px, 100vw"/> 881 <source srcset="/sites/lizvanpelt.us1.advisor.ws/files/styles/max_325x325/public/images/prosperity_partners-02_crop.png?itok=LrlyH5dD 325w, /sites/lizvanpelt.us1.advisor.ws/files/styles/max_650x650/public/images/prosperity_partners-02_crop.png?itok=PSQ3fFGQ 650w, /sites/lizvanpelt.us1.advisor.ws/files/styles/max_1300x1300/public/images/prosperity_partners-02_crop.png?itok=3yP9rc5h 1300w, /sites/lizvanpelt.us1.advisor.ws/files/styles/max_2600x2600/public/images/prosperity_partners-02_crop.png?itok=pqeU9vU8 2088w" type="image/png" sizes="(min-width: 1290px) 1290px, 100vw"/> 882 <img loading="eager" srcset="/sites/lizvanpelt.us1.advisor.ws/files/styles/max_325x325/public/images/prosperity_partners-02_crop.png?itok=LrlyH5dD 325w, /sites/lizvanpelt.us1.advisor.ws/files/styles/max_650x650/public/images/prosperity_partners-02_crop.png?itok=PSQ3fFGQ 650w, /sites/lizvanpelt.us1.advisor.ws/files/styles/max_1300x1300/public/images/prosperity_partners-02_crop.png?itok=3yP9rc5h 1300w, /sites/lizvanpelt.us1.advisor.ws/files/styles/max_2600x2600/public/images/prosperity_partners-02_crop.png?itok=pqeU9vU8 2088w" sizes="(min-width: 1290px) 1290px, 100vw" src="/sites/lizvanpelt.us1.advisor.ws/files/styles/max_325x325/public/images/prosperity_partners-02_crop.png?itok=LrlyH5dD" typeof="foaf:Image" /> 883 884 </picture> 885 886 887 </div> 888 889 890 </div> 891</a> 892 893 </div> 894 </section> 895 896 </div> 897 <div class="cell small-6 medium-6 navbar-menu-hamburger " data-hide-for="large" data-responsive-toggle="animated-menu" > 898 899<div class="hamburger"> 900 <button class="navbar-menu__menu-icon menu-icon menu-icon" type="button" data-toggle="animated-menu"></button> <div class="navbar-menu__menu-icon show-for-sr">menu</div> </div> 901</div> 902 <div class="cell small-12 medium-12 large-auto navbar-menu-block"> 903 <div class="width-100 full-height vertical-align-flex-column grid-y"> 904 <div class="cell"> 905<section data-block-internal-id="aw_core_visitormainmenu_ascend" data-block-original-title="Ascend Website navigation" data-block-weight="-13" data-plugin-id="system_menu_block:visitor" 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1090<section data-block-internal-id="mainpagecontent" data-block-original-title="Main page content" data-block-weight="-15" data-plugin-id="system_main_block" id="block-mainpagecontent" class="block block--main-page-content block--system-main-block"> 1091 1092 1093 <div class="block__content"> 1094 1095 1096 1097 1098 <article data-history-node-id="1278" about="/blog-01/retirement-isnt-just-about-how-much-you-save-its-about-when" class="blog blog--full"> 1099 1100 1101 <div class="field field--name-field-featured-image field--type-entity-reference-revisions field--label-hidden blog__field blog__field--name-field-featured-image blog__field--type-entity-reference-revisions blog__field--label-hidden field__item"> 1102 <div class="media media-image view-mode-full"> 1103 1104 1105 <div class="field field--name-field-image field--type-image field--label-hidden image__field image__field--name-field-image image__field--type-image image__field--label-hidden field__item"> 1106 <picture> 1107 <source srcset="/sites/lizvanpelt.us1.advisor.ws/files/styles/max_325x325/public/images/Blog_AW41_2026.jpg.webp?itok=zzoDDc7f 325w, /sites/lizvanpelt.us1.advisor.ws/files/styles/max_650x650/public/images/Blog_AW41_2026.jpg.webp?itok=NAYnzjg1 650w, /sites/lizvanpelt.us1.advisor.ws/files/styles/max_1300x1300/public/images/Blog_AW41_2026.jpg.webp?itok=geN0ryTo 720w" type="image/webp" sizes="(min-width: 1290px) 1290px, 100vw"/> 1108 <source srcset="/sites/lizvanpelt.us1.advisor.ws/files/styles/max_325x325/public/images/Blog_AW41_2026.jpg?itok=zzoDDc7f 325w, /sites/lizvanpelt.us1.advisor.ws/files/styles/max_650x650/public/images/Blog_AW41_2026.jpg?itok=NAYnzjg1 650w, /sites/lizvanpelt.us1.advisor.ws/files/styles/max_1300x1300/public/images/Blog_AW41_2026.jpg?itok=geN0ryTo 720w" type="image/jpeg" sizes="(min-width: 1290px) 1290px, 100vw"/> 1109 <img loading="eager" srcset="/sites/lizvanpelt.us1.advisor.ws/files/styles/max_325x325/public/images/Blog_AW41_2026.jpg?itok=zzoDDc7f 325w, /sites/lizvanpelt.us1.advisor.ws/files/styles/max_650x650/public/images/Blog_AW41_2026.jpg?itok=NAYnzjg1 650w, /sites/lizvanpelt.us1.advisor.ws/files/styles/max_1300x1300/public/images/Blog_AW41_2026.jpg?itok=geN0ryTo 720w" sizes="(min-width: 1290px) 1290px, 100vw" src="/sites/lizvanpelt.us1.advisor.ws/files/styles/max_325x325/public/images/Blog_AW41_2026.jpg?itok=zzoDDc7f" typeof="foaf:Image" /> 1110 1111 </picture> 1112 1113 1114 </div> 1115 1116 1117 </div> 1118 1119 </div> 1120 1121 1122 <div class="blog--full__title"> 1123 1124 <h3 class="node__title"> 1125 <span class="field field--name-title field--type-string field--label-hidden"><span > 1126 Retirement Isn't Just About How Much You Save. It's About When. 1127 </span></span> 1128 1129 </h3> 1130 1131 </div> 1132 <div class="blog__field blog__author-time blog--full__author-time"> Liz Van Pelt | <time>Sep 9, 2026</time> 1133 </div> 1134 1135 1136 <div class="field field--name-field-tags field--type-entity-reference field--label-inline blog__field blog__field--name-field-tags blog__field--type-entity-reference blog__field--label-inline"> 1137 <div class="field__label">Categories</div> 1138 <div class="field__items"> 1139 <div class="field field--name-field-tags field--type-entity-reference field--label-inline blog__field blog__field--name-field-tags blog__field--type-entity-reference blog__field--label-inline field__item"> 1140 <a href="/category/retirement" hreflang="en">Retirement</a> 1141 </div> 1142 1143 <div class="field field--name-field-tags field--type-entity-reference field--label-inline blog__field blog__field--name-field-tags blog__field--type-entity-reference blog__field--label-inline field__item"> 1144 <a href="/category/risk-management" hreflang="en">Risk Management</a> 1145 </div> 1146 1147 <div class="field field--name-field-tags field--type-entity-reference field--label-inline blog__field blog__field--name-field-tags blog__field--type-entity-reference blog__field--label-inline field__item"> 1148 <a href="/category/investments" hreflang="en">Investments</a> 1149 </div> 1150 1151 <div class="field field--name-field-tags field--type-entity-reference field--label-inline blog__field blog__field--name-field-tags blog__field--type-entity-reference blog__field--label-inline field__item"> 1152 <a href="/category/finance" hreflang="en">Finance</a> 1153 </div> 1154 1155 <div class="field field--name-field-tags field--type-entity-reference field--label-inline blog__field blog__field--name-field-tags blog__field--type-entity-reference blog__field--label-inline field__item"> 1156 <a href="/category/savings" hreflang="en">Savings</a> 1157 </div> 1158 1159 </div> 1160 </div> 1161 1162 1163 1164 <div class="field field--name-body field--type-text-with-summary field--label-hidden blog__field blog__field--name-body blog__field--type-text-with-summary blog__field--label-hidden field__item"> 1165 <p>You can do everything right on paper â save diligently, spend reasonably, stay invested for the long haul â and still land in a very different retirement than someone who did the same things.</p><p>The difference often comes down to a factor many retirement checklists leave out entirely: timing.</p><p>A lot of advice fixates on a single number: the balance. Have I saved enough? It's an important question. But it assumes that two peo
1165ple who arrive at the same number will experience the same retirement. In reality, the moment you stop adding to your savings and start drawing from them, a new force enters the picture. And it doesn't treat everyone equally.</p><h3>Same Numbers, Different Outcomes</h3><p>Picture two people who retire with nearly identical savings. They spend about the same each year. Over the long run, their investments earn similar average returns. It would be reasonable to expect them to end up in roughly the same place.</p><p>They often don't.</p><p>The reason is something financial professionals call<span> </span><strong>sequence-of-returns risk</strong>. When you're withdrawing money, the<span> </span><em>order</em><span> </span>in which good and bad years arrive starts to matter as much as the average.<sup>1</sup> A market decline early in retirement forces you to sell investments at lower prices, leaving fewer shares invested to benefit if the market recovers. The same downturn a decade later, after years of growth, tends to land much softer.</p><p>Same savings. Same average return. Different order of events. Different retirement.</p><h3>Meet the Retirement Red Zone</h3><p>There's a name for the window where this matters most. Some professionals call it the<span> </span><em>fragile decade</em>, roughly the five years before and the five years after you retire.<sup>2</sup></p><p>Borrow a term from football and it clicks into place: the red zone. It's the stretch where the biggest plays happen and small mistakes carry outsized consequences. Retirement has its own version. In the years right around your last day of work, you're making a delicate handoff of your financial life, shifting from building your savings to leaning on them. A downturn during that transition can make the shift harder to manage.</p><p>Before it, you're still accumulating. After it, you're drawing down. The narrow band in between is where timing has the loudest voice.</p><h3>A Tale of Two Retirees</h3><p>History offers a useful illustration. Consider someone who retired in the mid-1990s and enjoyed several strong market years before the dot-com decline arrived. Then consider someone who retired right as that decline hit, and had to begin drawing down almost immediately.</p><p>Even with similar savings, the second retiree likely faced tougher questions much sooner â about how much to spend, when to sell, and how to adjust.*</p><p>The savings looked the same on paper. The timing did not.</p><p>*<em>Hypothetical example for illustrative purposes only. Actual results depend on investment returns, withdrawals, fees, inflation, and other factors.</em></p><h3>The Sequence Is Luck. Your Response Isn't.</h3><p>You don't get to choose which market you retire into. That's luck, and no amount of planning changes it.</p><p>What you<span> </span><em>can</em><span> </span>shape is how prepared your plan is to absorb whatever timing hands you. A few approaches worth exploring:</p><ul><li data-list-item-id="e89a0bfacdc997ab63af01ba877ca4961">Keeping cash reserves for near-term spending can help reduce the need to sell investments right after a downturn.</li><li data-list-item-id="e306fc570c9b8c01f1f44f48d22415067">Flexible withdrawals can help give you room to ease back in leaner years rather than locking into a fixed number.</li><li data-list-item-id="e99eb77b168857d2c571c5a2b12d6600b">A thoughtfully balanced investment mix and dependable income sources may help a plan respond more gracefully when markets turn.</li></ul><p>Already retired? These same levers can still give your strategy more room to adapt. The Red Zone doesn't close behind you. Staying responsive matters just as much on the far side of it.</p><h3>Preparation Over Prediction</h3><p>No one can reliably predict what markets will do in the years around your retirement. The encouraging news is that you don't have to.</p><p>The aim is a plan flexible enough that being wrong doesn't derail you, prepared for a range of possibilities rather than betting on a single forecast. That's a very different, and far more achievable, kind of confidence.</p><p>Where you should focus next depends on your full picture: your timeline, your income sources, how much flexibility you've already built in. A financial professional earns their keep here as a thinking partner who can pressure-test your plan against a range of scenarios before you need the answers. You don't have to figure it out on your own.<br><br> </p><p><strong>Sources:</strong></p><p>Morningstar, 2025 [URL:<span> </span><a href="https://www.morningstar.com/retirement/how-avoid-outliving-your-retirement-savings-its-all-sequence" target="_blank">https://www.morningstar.com/retirement/how-avoid-outliving-your-retirement-savings-its-all-sequence</a>]</p><p>Kiplinger, 2024 [URL:<span> </span><a href="https://www.kiplinger.com/retirement/in-retirement-planning-consider-the-entire-journey" target="_blank">https://www.kiplinger.com/retirement/in-retirement-planning-consider-the-entire-journey</a>]<br> </p><p><em>This content is developed from sources believed to be providing accurate information. The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. Individuals are encouraged to seek advice from their own tax or legal counsel. Individuals involved in the estate planning process should work with an estate planning team, including their own personal legal or tax counsel. Neither the information presented nor any opinion expressed constitutes a representation by us of a specific investment or the purchase or sale of any securities. Asset allocation and diversification do n
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1546<script> 1547// custom team page - change image when mouse hover top section 1548$(document).ready(function() { 1549 // Define hover image sources in order 1550 const hoverImages = [ 1551 '/files/ali_swofford_-_wacky.webp', 1552 '/files/wesley_n_price_-_wacky.webp', 1553 '/files/craig_hammer_-_wacky.webp', 1554 '/files/andrea_carpenter_-_wacky.webp', 1555 '/files/anthony_bartl_-_wacky.webp', 1556 '/files/lynn_smith_-_wacky.webp', 1557 '/files/liz_van_pelt_-_wacky.webp', 1558 '/files/lowell_williams_-_wacky.webp', 1559 ]; 1560 1561 $('#block-customourteamintro .cell img').each(function(index) { 1562 const originalSrc = $(this).attr('src'); 1563 const hoverSrc = hoverImages[index]; 1564 1565 $(this).hover( 1566 function(){ 1567 $(this).data('original-src', originalSrc); 1568 $(this).attr('src', hoverSrc); 1569 }, 1570 function(){ 1571 $(this).attr('src', $(this).data('original-src')); 1572 } 1573 ); 1574 }); 1575}); 1576 1577// custom team page - change image when mouse hover bottom section 1578jQuery(document).ready(function($) { 1579 1580 // Define hover image URLs by node ID 1581 var hoverImages = { 1582 1046: '/files/ali_swofford_-_wacky.webp', 1583 1048: '/files/wesley_n_price_-_wacky.webp', 1584 1050: '/files/craig_hammer_-_wacky.webp', 1585 1047: '/files/andrea_carpenter_-_wacky.webp', 1586 1044: '/files/anthony_bartl_-_wacky.webp', 1587 1045: '/files/lynn_smith_-_wacky.webp', 1588 1049: '/files/liz_van_pelt_-_wacky.webp', 1589 1213: '/files/lowell_williams_-_wacky.webp', 1590 }; 1591 1592 // Trigger hover on the image container 1593 $('.field--name-field-photo').hover(function() { 1594 var $photo = $(this); 1595 var $article = $photo.closest('article.team-member'); 1596 var id = $article.data('history-node-id'); 1597 var $picture = $photo.find('picture'); 1598 var $img = $picture.find('img'); 1599 1600 // Save the original HTML (once) 1601 if (!$article.data('originalPicture')) { 1602 $article.data('originalPicture', $picture.html()); 1603 } 1604 1605 // Apply hover image 1606 if (hoverImages[id]) { 1607 $picture.find('source').remove(); // remove <source srcset> 1608 $img.removeAttr('srcset'); // remove <img srcset> 1609 $img.attr('src', hoverImages[id]); // change <img> src 1610 } 1611 1612 }, function() { 1613 // Restore original image when mouse leaves 1614 var $photo = $(this); 1615 var $article = $photo.closest('article.team-member'); 1616 var $picture = $photo.find('picture'); 1617 1618 if ($article.data('originalPicture')) { 1619 $picture.html($article.data('originalPicture')); 1620 } 1621 }); 1622 1623}); 1624 1625// fix tablet view of team page 1626jQuery('.team-member--imgside-full .full-wrapper .media-object-section:nth-of-type(1)').removeClass('medium-4').addClass('medium-12'); 1627jQuery('.team-member--imgside-full .full-wrapper .media-object-section:nth-of-type(2)').removeClass('medium-8').addClass('medium-12'); 1628 1629// fix tablet view of team page - individual team member page 1630jQuery('.page--node-type--team-member-01 .team-member--full__headshot').removeClass('medium-4').addClass('medium-12 large-4'); 1631 1632 1633jQuery( document ).ready(function() { 1634 1635 // Add class to parent menu items 1636 jQuery('#block-aw-core-visitormainmenu-ascend .menu .menu-item>a.is-active').parent().parent().parent().addClass('underlineme'); 1637 1638 //stop page refresh for menu containers 1639 jQuery( "#block-aw-core-visitormainmenu-ascend .link--container > a:first-of-type" ).click(function() { 1640 event.preventDefault(); 1641 }); 1642 1643 // smooth scroll 1644 jQuery(function() { 1645 var height = jQuery(".sticky-container").outerHeight(); 1646 jQuery('a[href*="#"]:not([href="#"])').click(function() { 1647 if (location.pathname.replace(/^\//,'') == this.pathname.replace(/^\//,'') && location.hostname == this.hostname) { 1648 var target = jQuery(this.hash); 1649 target = target.length ? target : jQuery('[name=' + this.hash.slice(1) +']'); 1650 if (target.length) { 1651 jQuery('html, body').animate({ 1652 scrollTop: target.offset().top - height 1653 }, 1000); 1654 return false; 1655 } 1656 } 1657 }); 1658 if(window.location.hash) {
1659 //smooth scroll to the anchor id 1660 jQuery('html, body').animate({ 1661 scrollTop: jQuery(window.location.hash).offset().top - height 1662 }, 1000); 1663 } 1664 }); 1665 1666 // banner image source 1667 jQuery('#block-core-slider-fullscreen-ascend .ascend-image-slider .orbit__slide:first-of-type .orbit__image img').attr("src","/files/foothills_main_picture_08.06.2021_1.jpg").attr("srcset","/files/foothills_main_picture_08.06.2021_1.jpg"); 1668 jQuery('#block-core-slider-fullscreen-ascend .ascend-image-slider .orbit__slide:nth-of-type(2) .orbit__image img').attr("src","/files/images/AdobeStock_306223481.jpg").attr("srcset","/files/images/AdobeStock_306223481.jpg"); 1669 jQuery('#block-core-slider-fullscreen-ascend .ascend-image-slider .orbit__slide:nth-of-type(3) .orbit__image img').attr("src","/files/banner2.jpg").attr("srcset","/files/banner2.jpg"); 1670 jQuery('#block-core-slider-fullscreen-ascend .ascend-image-slider .orbit__slide:nth-of-type(4) .orbit__image img').attr("src","/files/images/AdobeStock_73841084.jpg").attr("srcset","/files/images/AdobeStock_73841084.jpg"); 1671 1672 // link events CTA 1673 jQuery("#block-eventcta").click(function() { 1674 window.location = jQuery(this).find("a").attr("href"); 1675 return false; 1676 }); 1677 jQuery("#block-eventcta").insertBefore('.aw-header--sticky .grid-container'); 1678 1679 // Change size of sidebar 1680 jQuery('.aw-content__sidebar-second').removeClass('medium-3').addClass('medium-6 large-3'); 1681 1682}); 1683 1684 jQuery('body').append('<a class="sticky-our-story" href="https://www.prosperitypartnerswm.com/our-story" target="_blank">Our Story</a>'); 1685 1686 1687// change all authors name 1688 1689// on blog block 1690jQuery('#block-blog-01 .blog').each(function(){ 1691 blogBlockTime = jQuery(this).find('.blog__author-time time').html(); 1692 jQuery(this).find('.blog__author-time').html('<span class="author">Prosperity Partners Wealth Management</span> | ' + blogBlockTime); 1693}); 1694 1695// on blog list page 1696jQuery('.path-blog-01 .blog-posts .blog').each(function(){ 1697 blogPageTime = jQuery(this).find('.blog__author-time time').html(); 1698 jQuery(this).find('.blog__author-time').html('<span class="author">Prosperity Partners Wealth Management</span> | ' + blogPageTime); 1699}); 1700 1701// indiv blog page 1702blogIndivTime = jQuery('.page--node-type--blog-01 .blog__author-time time').html(); 1703jQuery('.page--node-type--blog-01 .blog--full__author-time').html('<span class="author">Prosperity Partners Wealth Management</span> | ' + blogIndivTime); 1704 1705 1706 1707jQuery ('.page--page-title--esg-investing-january-6th-2022 .blog--full .field--name-field-featured-image .field--type-image').hide(); 1708 1709jQuery('.page--page-title--year-in-review-webinar .events__date-time').html('<span>January 19, 2022</span>'); 1710 1711</script>
1711 1712
1713<script> 1714 /* 1715 * Light YouTube Embeds by @labnol 1716 * Credit: https://www.labnol.org/ 1717 */ 1718 1719 function labnolIframe(div) { 1720 var iframe = document.createElement('iframe'); 1721 iframe.setAttribute('src', 'https://www.youtube.com/embed/' + div.dataset.id + '?autoplay=1&rel=0'); 1722 iframe.setAttribute('frameborder', '0'); 1723 iframe.setAttribute('allowfullscreen', '1'); 1724 iframe.setAttribute('allow', 'accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture'); 1725 div.parentNode.replaceChild(iframe, div); 1726 } 1727 1728 function initYouTubeVideos() { 1729 var playerElements = document.getElementsByClassName('youtube-player'); 1730 for (var n = 0; n < playerElements.length; n++) { 1731 var videoId = playerElements[n].dataset.id; 1732 var div = document.createElement('div'); 1733 div.setAttribute('data-id', videoId); 1734 var thumbNode = document.createElement('img'); 1735 thumbNode.src = '//i.ytimg.com/vi/ID/hqdefault.jpg'.replace('ID', videoId); 1736 div.appendChild(thumbNode); 1737 var playButton = document.createElement('div'); 1738 playButton.setAttribute('class', 'play'); 1739 div.appendChild(playButton); 1740 div.onclick = function () { 1741 labnolIframe(this); 1742 }; 1743 playerElements[n].appendChild(div); 1744 } 1745 } 1746 1747 document.addEventListener('DOMContentLoaded', initYouTubeVideos); 1748 1749 //Events 1750 jQuery('<p>Strategies to help you save taxes and get more out of your IRA</p>').insertAfter('.page--page-title--savvy-ira-planning span.field.field--name-title.field--type-string.field--label-hidden'); 1751 1752//Events - Month Field -full 1753jQuery('.page--page-title--shred-truck-event .date-group__date').html(function(index, currentHtml) { 1754return currentHtml.replace('Jul 15, 2022', "July 15, 2022"); 1755}); 1756 1757jQuery('.page--page-title--six-steps-to-legacy-planning-for-the-generations').html(function(index, currentHtml) { 1758return currentHtml.replace('Jun 15, 2022', "June 15, 2022"); 1759}); 1760 1761 1762</script>
1762 1763 </body> 1764</html>
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